Credit invisibility traps millions of hardworking families in a cycle of high-cost debt. Through a national network of 100+ nonprofit partners across 21 states, MAF’s Lending Circles program transforms a centuries-old tradition of community lending into a proven, zero-interest credit-building tool — helping people step out of the financial shadows and into a stable financial future.
What’s inside
What’s inside
- The challenge: 45 million Americans locked out of mainstream financial services
- How Lending Circles work: a 5-step social loan model that builds credit history
- Program impact: 168-point average credit score increase, 99% repayment rate, $14M in social loans serviced
- The Lending Circles Communities platform: tools to Connect, Implement, and Thrive
- Partner process: from Explore to Launch in four steps
- Voices from the network: nonprofit partners across the country share what works
A partner brochure for nonprofit providers · Mission Asset Fund · 2026
